Care N’ Care Medicare Advantage 2024 Review

Care N' Care Medicare Advantage plans sold in Texas are being discontinued for 2025. Members with Care N’ Care plans will need to switch.

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October 2024

2024 is the last year for Care N’ Care Medicare Advantage plans sold in Texas, which are being discontinued for 2025. If you’re a member of any of these plans, you’ll need to switch.

If you have a Care N’ Care Medicare Advantage plan in 2024, you’ll need to sign up for a new plan for 2025. If you don’t enroll in another plan by Dec. 31, 2024, you’ll be automatically enrolled in Original Medicare. If you want to keep Medicare Advantage, take a look at our picks for the best Medicare Advantage plans in 2025 to get started finding the best option for you.

The information below refers to Care N’ Care’s 2024 Medicare Advantage plans, which remain in effect through the end of 2024.

Care N' Care Medicare Advantage plans are available in Texas only, and the provider’s star ratings from the Centers for Medicare & Medicaid Services (CMS) are below average. Member experience ratings, however, are above the average for major providers.

Here’s what you should know about Care N' Care Medicare Advantage.

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Care N' Care Medicare Advantage pros and cons

Care N' Care’s offerings have advantages and disadvantages.

Pros

Member experience ratings: Member experience ratings on metrics like care coordination and customer service are above the average for major providers. 

Out-of-pocket max: Care N’ Care Medicare Advantage plans’ average out-of-pocket maximum is just under $3,600, which is lower than the average for major providers. 

Cons

Star ratings: Care N' Care Medicare Advantage plans’ star ratings from CMS are below the industry average. 

Limited availability: Care N' Care offers Medicare Advantage plans in Texas only. 

No SNPs: Care N’ Care doesn’t offer any Medicare Advantage special needs plans. 

Care N' Care Medicare star ratings

Average star rating, weighted by enrollment: 3.37

The Centers for Medicare & Medicaid Services maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

Based on the most recent year of data and weighted by enrollment, Care N' Care’s 2024 Medicare Advantage plans get an average rating of 3.37 stars

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP). Accessed Apr 16, 2024.
.

For comparison, the average star rating for plans from all providers is 4.04

Centers for Medicare & Medicaid Services. 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF). Accessed Apr 16, 2024.
.

You can find a plan’s rating with the Medicare plan finding tool.

Compare against other providers

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UnitedHealthcare Medicare Advantage - UHC (product card)

UnitedHealthcare

3.93

CMS Star Rating

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from UnitedHealthcare

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Aetna Medicare Advantage

Aetna

4.27

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
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on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?
Cigna Medicare Advantage

Cigna

3.93

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

Compare against other providers

Advertisement
UnitedHealthcare Medicare Advantage - UHC

UnitedHealthcare

3.93

CMS Star Rating

Call UnitedHealthcare
GET A QUOTE

from UnitedHealthcare

Call UnitedHealthcare
IS THIS PROVIDER AVAILABLE IN MY STATE?
Humana Medicare Advantage - Chapter

Humana

3.63

CMS Star Rating

(855) 432-0512

TTY 711

Speak to a licensed insurance agent on askchapter.org
GET A QUOTE

on NerdWallet

We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed below.

M-F 9AM-9PM, Sat 10AM-6PM ET

Speak to a licensed insurance agent on askchapter.org
(855) 432-0512

TTY 711

IS THIS PROVIDER AVAILABLE IN MY STATE?

» More options in our roundup of the best Medicare Advantage plans

What does Care N' Care Medicare Advantage cost?

Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.

Premiums

One of the costs to consider is the plan’s premium. In 2024, about 6 in 10 Care N' Care Medicare Advantage plans that aren’t special needs plans (SNPs) have a $0 premium

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20240314 (ZIP). Accessed Apr 16, 2024.
.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 in 2025)

Centers for Medicare & Medicaid Services. Costs. Accessed Apr 16, 2024.
, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more.)

Copays, coinsurance and deductibles

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

  • Whether you require extra benefits, and if the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Care N' Care plans or compare across carriers.

Available Medicare Advantage plans

There are a few kinds of Care N' Care Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Care N' Care offers Medicare Advantage prescription drug plans (MAPDs) as well as Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Care N' Care Medicare Advantage service area

Care N' Care offers Medicare Advantage plans in Texas only and covers just under 10,000 members

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Apr 16, 2024.
.

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Medicare will have big changes in 2025. Compare Medicare Advantage plans